Retirement Planning Services in Baltimore, MD

Retirement planning should reflect you—not some generic formula. Straight Talk CPAs helps Baltimore residents build retirement plans as unique as the neighborhoods they live in.


Whether you’re a nurse at Johns Hopkins, a self-employed creative in Hampden, or a city employee planning ahead, we’re here to build a strategy that fits your life—not someone else’s spreadsheet.

Personalized Retirement Planning for Baltimoreans

We combine secure dashboards, forecasting software, and digital tools so you can track your retirement plan in real time. Whether you’re at home in Mount Vernon or checking in between shifts at the hospital, your financial future is always within reach.


And when you need guidance? You’ll speak with a real person—someone who knows Baltimore’s economy, pension systems, and tax landscape.

Smart Tools, Real Support

Trying to plan your own retirement can feel like decoding a riddle—with missing instructions and too many acronyms. That’s where we come in.



We explain your options—like Roth vs. Traditional IRAs, Social Security timing, and retirement income planning—in plain English. No jargon, no pressure. Just real answers and strategies that make sense.

Clear Guidance Without the Guesswork

Why Work with a Retirement Planning Professional?

Because the decisions you make today shape the rest of your life.

We help you answer:

  • How much should I be saving?
  • When should I take Social Security?
  • What retirement account is right for me?
  • How do I plan for healthcare and inflation?
  • What tax strategies should I use?



With our support, you won’t just hope you’re on track—you’ll know.

Case Study: From “Later” to “Locked-In”

Meet Brian, a 51-year-old contractor in Baltimore who had always planned to “figure it out later.” He had a few savings accounts, a 401(k) from a past job, and questions he didn’t know how to ask.



Here’s how we helped:

  • Consolidated old accounts into a new, tax-smart portfolio
  • Set up a SEP IRA to align with his self-employment income
  • Built a monthly income forecast that showed how retirement could actually work
  • Reviewed healthcare and insurance gaps in his long-term plan
  • Connected his business succession plan to his retirement timeline

Today, Brian is saving consistently, tracking progress quarterly, and plans to retire earlier than expected.

“I never thought I’d be ‘the guy with a retirement plan.’ Now I check it like I check sports scores—because it’s finally going somewhere.”

Why Choose Straight Talk CPAs in Baltimore?

  • Local Insight: We understand Maryland tax laws, pensions, and retirement incentives
  • Tailored Strategies: We build plans to match your career, lifestyle, and future goals
  • Straightforward Communication: No confusing lingo, no surprises
  • Integrated Planning: As CPAs, your retirement plan is built with tax strategy in mind
  • Future-Focused: We help you stay flexible and adapt your plan as life evolves

FAQs

  • When should I start retirement planning?

    The sooner, the better—but it’s never too late. Whether you’re starting your first job or approaching retirement age, we can help.

  • I run a business—can you help with that too?

    Absolutely. We specialize in small business retirement strategies like SEP IRAs, solo 401(k)s, and owner-exit planning.

  • I don’t know what retirement looks like for me yet. Can I still start planning?

    Definitely. We’ll help you define your goals and build a flexible strategy to match.

  • How often should I review my plan?

    At least once a year—or any time your life changes significantly. We’ll keep you on track and informed.

  • Do you offer virtual meetings?

    Yes. Our process is 100% virtual and secure, designed to fit your schedule—whether you’re in Baltimore or beyond.